Overview, Financial Summary, Detailed Financial Reports, Branches


  • General
  • FDIC Certificate #: 3705
    Status: Active
    Federal Reserve ID: 762447
    Bank Holding Company (Regulatory Top Holder): First Mid-Illinois Bancshares, Inc. (RSSDID: 1206760, Location: Mattoon, IL)
    Date Established: Febuary 08, 1865
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 37 (Domestic: 37, Interstate: No)
    OTS Docket #: 12332
    FDIC's unique #: 2374
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 13, 2010
    Last Structure Change Process Date: September 16, 2010
    Last Data Update: September 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1515 Charleston Avenue, Mattoon, IL 61938
    County: Coles
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Charleston-Mattoon, IL (#16660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $1,492.8 mil
    Equity capital: $143.3 mil
    Deposits held in domestic offices: $1,192.9 mil
    Return on assets (ROA): 0.83% ($12.4 mil)
    Quarterly return on assets: 0.94% ($14.0 mil)
    Return on Equity (ROE): 9.15% ($13.1 mil)
    Quarterly return on equity: 9.83% ($14.1 mil)
    Net income: $12.4 mil
    Quarterly Net income: $3.5 mil
    Pretax return on assets: 1.33% ($19,853.6 mil)
    Quarterly Pretax return on assets: 1.50% ($22,391.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 383Total employees (full-time equivalent)
  • $1,492,752Total assets
  • $65,321Cash and due from depository institutions
  • $21,980Interest-bearing balances
  • $478,967Securities
  • $20,997Federal funds sold & reverse repurchase agreements
  • $848,954Net loans & leases
  • $11,120Loan loss allowance
  • $0Trading account assets
  • $25,749Bank premises and fixed assets
  • $4,606Other real estate owned
  • $29,671Goodwill and other intangibles
  • $1,492,752Life insurance assets
  • $18,487All other assets
  • $1,349,421Total liabilities and capital
  • $1,192,909Total liabilities
  • $971,826Total deposits
  • $1,192,909Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 132380.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,750Trading liabilities
  • $0Other borrowed funds
  • $4,382Subordinated debt
  • $143,331All other liabilities
  • $143,331Total equity capital
  • $143,331Total bank equity capital
  • $0Perpetual preferred stock
  • $3,750Common stock
  • $46,981Surplus
  • $92,600Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,046Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,723Income earned, not collected on loans
  • $341Earning assets
  • $7,052Long-term assets (5+ years)
  • $1,370,898Average Assets, year-to-date
  • $448,218Average Assets, quarterly
  • $1,488,145Volatile liabilities
  • $1,493,937Insider loans
  • $992,918FHLB advances
  • $1,480,704Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $116,266Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $221,704Restructured Loans and leases
  • $21,220Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $56,986Total interest income
  • $7,662Total interest expense
  • $49,324Net interest income
  • $3,101Provision for loan and lease losses
  • $13,460Total noninterest income
  • $3,030Fiduciary activities
  • $7,816Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,614Additional noninterest income
  • $39,530Total noninterest expense
  • $20,239Salaries and employee benefits
  • $7,166Premises and equipment expense
  • $12,125Additional noninterest expense
  • $20,153Pre-tax net operating income
  • -$400Securities gains (losses)
  • $7,330Applicable income taxes
  • $12,423Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,423Net income attributable to bank
  • $0Net charge-offs
  • $12,423Cash dividends
  • $2,374Sale, conversion, retirement of capital stock, net
  • $938Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 9.15%Return on equity (ROE)
  • 8.46%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 130.62%Credit loss provision to net charge-offs
  • 9.80%Efficiency ratio
  • 61,458Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.55%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 165.40%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 71.17%Net loans and leases to core deposits
  • 72.26%Equity capital to assets
  • 9.60%Core capital (leverage) ratio
  • 7.85%Tier 1 risk-based capital ratio
  • 11.71%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,488,145Average earning assets
  • $135,727Average equity
  • $1,376,843Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $542,525Managed Assets
  • 1Number of Accounts
  • $199,882Personal trust and agency accounts
  • $79,637Employee benefit-defined contribution accounts
  • $4,047Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,346Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $67,245Other fiduciary accounts
  • $41,607Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1309Number of Accounts
  • $0Personal trust and agency accounts
  • $7,345Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $342,643Other retirement accounts
  • $5,093Corporate trust and agency accounts
  • $146,739Other fiduciary accounts
  • $56,996Fiduciary accounts held in foreign offices

List of branches

  • 37 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02374First Mid-Illinois Bank & Trust, National Association1515 Charleston Avenue, Mattoon, IL 61938Febuary 08, 1865Full Service Brick and Mortar
    214345Cross County Facility333 East Broadway Avenue, Mattoon, IL 61938August 11, 1972Full Service Brick and Mortar
    3201765Lakeland Avenue Facility1504 Lake Land Blvd, Mattoon, IL 61938May 01, 1989Limited Service Facility
    416627Charleston Facility701 Sixth Street, Charleston, IL 61920May 01, 1982Limited Service Facility
    67435Neoga Facility102 East Sixth Street, Neoga, IL 62447December 22, 1933Full Service Brick and Mortar
    713683Sullivan Facility200 South Hamilton Street, Sullivan, IL 61951Febuary 26, 1969Full Service Brick and Mortar
    916575Tuscola Facility410 South Main Street, Tuscola, IL 61953Febuary 06, 1982Full Service Brick and Mortar
    138669Altamont Facility101 West Washington Street, Altamont, IL 62411January 01, 1934Full Service Brick and Mortar
    14230549Effingham Facility902 North Keller Drive, Effingham, IL 62401Febuary 01, 1988Full Service Brick and Mortar
    15201766Arcola Branch249 W Springfield Road, Arcola, IL 61910September 05, 1995Full Service Brick and Mortar
    1641094Lincoln Branch500 West Lincoln, Charleston, IL 61920January 01, 1884Full Service Brick and Mortar
    1841063Urbana Branch601 South Vine, Urbana, IL 61801January 01, 1887Limited Service Facility
    1942682Taylorville Branch200 North Main Street, Taylorville, IL 62568January 01, 1909Full Service Brick and Mortar
    2010497Monticello Branch100 West Washington Street, Monticello, IL 61856September 10, 1945Full Service Brick and Mortar
    22221710Monticello Drive-Up Branch219 West Center Street, Monticello, IL 61856January 14, 1976Limited Service Facility
    23356493Decatur Branch100 South Water Street, Decatur, IL 62526May 01, 2000Full Service Brick and Mortar
    246972Highland Branch12616 State Route 143, Highland, IL 62249January 01, 1922Full Service Brick and Mortar
    25223068Pocahontas Branch103 Park Street, Pocahontas, IL 62275June 26, 1991Full Service Brick and Mortar
    26361382Eiu Branch600 East Lincoln Avenue, Charleston, IL 61920September 05, 2000Limited Service Facility
    27365616Champaign Branch2229 South Neil Street, Champaign, IL 61820November 13, 2002Full Service Brick and Mortar
    28419562Maryville Branch2930 North Center, Maryville, IL 62062November 15, 2002Full Service Brick and Mortar
    29441742Highland Branch1301 Broadway, Highland, IL 62249March 21, 2005Full Service Brick and Mortar
    306930Mansfield Branch1 Jefferson Street, Mansfield, IL 61854January 01, 1910Full Service Brick and Mortar
    3110445Weldon Branch490 Maple St, Weldon, IL 61882May 01, 1945Full Service Brick and Mortar
    32357236Mahomet Branch502 East Oak Street, Mahomet, IL 61853June 30, 2000Full Service Brick and Mortar
    33498663Champaign North Branch913 West Marketview, Champaign, IL 61822November 02, 2009Full Service Brick and Mortar
    34510851Decatur Water Street Branch3101 North Water Street, Decatur, IL 62526September 21, 2009Full Service Brick and Mortar
    35279852Bartonville Branch1401 W. Garfield, Bartonville, IL 61607January 01, 1926Full Service Brick and Mortar
    36278877Knoxville - Peoria Branch1021 West Bird Boulevard, Peoria, IL 61614January 01, 1889Full Service Brick and Mortar
    37278878Wardcliffe Branch3037 N. Sterling, Peoria, IL 61604January 01, 1889Full Service Brick and Mortar
    3845780Quincy (Main) Branch636 Hampshire Street, Quincy, IL 62301January 18, 1990Full Service Brick and Mortar
    39270896Quincy Mall Branch3233 Broadway, Quincy, IL 62301January 01, 1889Full Service Brick and Mortar
    4045744Galesburg Main Branch101 East Main Street, Galesburg, IL 61401November 09, 1989Full Service Brick and Mortar
    41263582Knoxville Branch331 E Main St, Knoxville, IL 61448January 01, 1892Full Service Brick and Mortar
    42263595Galesburg Facility Branch1515 N Henderson Street, Galesburg, IL 61401January 01, 1892Full Service Brick and Mortar
    43430022Bloomington Branch201 N Prospect, Bloomington, IL 61704April 01, 2004Full Service Brick and Mortar
    44442254Adams Branch230 Sw Adams Street, Peoria, IL 61602March 15, 2005Full Service Brick and Mortar

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